First State Bank of Odem on Your Credit Report
In short: First State Bank of Odem is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator headquartered in Odem, Texas. FDIC certificate 16334 traces to November 12, 1945, a mid-century charter that predates the FCRA. As of the 06/30/2026 call report, First State Bank of Odem held $213 million in assets and operated 5 FDIC-reported offices. First State Bank of Odem is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who First State Bank of Odem actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
First State Bank of Odem carries FDIC certificate 16334, operates 5 FDIC-reported offices and reported $213 million in assets on its most recent call report in Odem, Texas.
How First State Bank of Odem appears on your credit report
This tradeline is furnished by First State Bank of Odem itself, not purchased from another lender, which means the source documents are held in-house. First State Bank of Odem is Texas-chartered with 5 FDIC-reported offices, and reviews disputes against records it maintains itself. Put it in writing, name the specific field you say is inaccurate, and file the §611 dispute alongside it. No outcome is promised — what happens depends on the underlying documentation.
Names it may report under
Products that commonly show up
- ◆Consumer installment and personal lending across its 5 Texas offices
- ◆Residential mortgage and home-equity lending in and around Odem
- ◆Small-business credit backed by a personal pledge
Grounds to dispute a First State Bank of Odem entry
Each of these is a reason a First State Bank of Odem tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at an Odem teller window credited a day late and reported as delinquent
- ◆Account still showing a balance after First State Bank of Odem processed the final payment
- ◆One First State Bank of Odem obligation appearing as two tradelines after a core-system conversion
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
First State Bank of Odem is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, First State Bank of Odem has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send First State Bank of Odem a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
First State Bank of Odem questions, answered
Is First State Bank of Odem FDIC-insured, and what is its certificate number?
Certificate 16334 is the FDIC record for First State Bank of Odem. It describes a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Odem, TX, with a charter dating to November 12, 1945; the 06/30/2026 call report shows $213 million in assets and 5 offices.
My dispute with First State Bank of Odem failed — who do I complain to?
Oversight sits with the FDIC and its state banking regulator. Where both dispute routes come back verified but your own records say otherwise, the CFPB complaint portal is the next step, and §§616–617 of the FCRA preserve a private right of action. Both steps are free, and neither depends on where in Texas you banked with First State Bank of Odem.
How many credit-card complaints does the CFPB show against First State Bank of Odem?
We do not publish a figure for First State Bank of Odem. The CFPB credit-card dataset returned no exact company-key match, and loose or partial-name matching would sweep in different institutions with similar names. We would rather omit the number than publish one we cannot stand behind — you can search it yourself at consumerfinance.gov.
When does a First State Bank of Odem charge-off fall off my report?
Roughly seven years, measured from the original date of first delinquency — not from the charge-off date and not from the day a collector acquired it. Watch the First State Bank of Odem tradeline for a first-delinquency date that moves later; re-aging is independently actionable under the FCRA.
Should I dispute with First State Bank of Odem directly or with the collection agency?
First State Bank of Odem is the original creditor and holds the underlying file — application, statements, posting history. A collector typically receives a data file, not the original paperwork. A §623 dispute to First State Bank of Odem puts the question to the party that can actually check it against source documents.
Will a First State Bank of Odem account show on all three reports?
Not necessarily. Nothing in the FCRA compels a furnisher to report everywhere, and First State Bank of Odem, with 5 offices around Odem, may well report selectively. Check each file; inconsistent refresh dates are benign, inconsistent delinquency history is not.
Why does one First State Bank of Odem account appear twice on my report?
One account showing twice is a classic conversion artifact. First State Bank of Odem has operated since 1945, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Is there a free way to dispute the First State Bank of Odem tradeline?
Yes. Both the §611 bureau dispute and the §623 direct dispute to First State Bank of Odem are free and available to you. No company can do anything for you that you cannot do yourself, and nobody can lawfully promise you a specific result. Anything accurate and timely stays on the report.
Where is First State Bank of Odem headquartered, and does that affect my dispute?
The home office is in Odem, Texas, across 5 FDIC-reported locations. Your FCRA rights are federal and identical in every state; what the headquarters determines is the state authority sitting alongside the FDIC and its state banking regulator if you need to escalate.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by First State Bank of Odem; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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